Private Credit Analyst | Brazil

Sobre nós ​

A XP Inc. é uma das maiores instituições financeiras independente do Brasil, dona das marcas XP, Rico, Clear, XP Educação, InfoMoney, entre outras. Com mais de 4,6 milhões de clientes ativos e um valor superior a R$ 1,1 trilhão de ativos sob custódia, há 24 anos vem transformando o mercado financeiro para melhorar a vida das pessoas.

Com uma cultura marcante guiada por quatro valores - Sonho Grande, Espírito Empreendedor, Foco no Cliente e Mente Aberta - a XP Inc. está sempre em busca dos melhores talentos que tem ambição de fazer o impossível.

About XP

• Banco XP is a leading Brazilian financial institution with more than 25 years of history. In 2019, XP completed the largest IPO globally by a Latin American company that year.

• As XP continues its disciplined growth strategy, it is expanding its global footprint while maintaining its leadership position in the Brazilian market. XP is a market leader in onshore credit and local structured products, with offshore and cross‑border credit representing the next phase of growth.

• To support this international expansion, we are looking for a technically strong and highly entrepreneurial Analyst to help develop and scale XP’s structured and private credit capabilities, both internally and with external investors and counterparties.

Role Overview

• The Private Credit Analyst supports the origination, structuring, execution, and syndication of onshore and offshore credit transactions, working closely with senior deal professionals from initial underwriting through closing and distribution.

• The Analyst also contributes to portfolio monitoring and supports the scaling of XP’s structured and private credit platform.

• The role involves financial analysis, structuring input, diligence, documentation support, and ongoing interaction with borrowers, investors, and counterparties.

Requirements

• Bachelor’s degree in Finance, Economics, Accounting, Engineering, or a related field.

• 1–3 years of experience in public credit, private credit, leveraged finance, investment banking, credit research, or a similar role.

• Strong financial modeling and analytical skills, including cash flow modeling, credit analysis, and valuation.

• Exposure to loan origination, deal structuring, and/or syndication processes; experience working on credit committees a plus.

• Solid understanding of credit documentation, collateral structures, and risk assessment.

• Ability to manage multiple workstreams and support transactions from origination through closing.

• High attention to detail, strong work ethic, and comfort in a fast‑paced, transaction‑driven environment.

• Strong written and verbal communication skills; fluency in Portuguese and English required, Spanish a plus.

• Proficiency in Excel and PowerPoint; experience with data rooms and deal management processes preferred.

Key Responsibilities

• In partnership with XP’s investment and corporate bankers, support the origination of private credit transactions, including borrower screening, preliminary analysis, and preparation of marketing/pitching materials.

• Build and maintain financial models, alongside XP’s market leading credit analysts, and perform detailed credit, cash flow, and downside analyses to support underwriting decisions.

• Assist in structuring transactions, including debt terms, covenants, collateral packages, and intercreditor arrangements.

• Coordinate execution and closing processes, including diligence, documentation review, and interaction with internal and external legal counsel as well as internal and external stakeholders.

• Support syndication efforts by preparing marketing materials, engaging with potential lenders/investors, and managing data rooms.

• Monitor the existing portfolio, including performance analysis, covenant tracking, and ongoing credit reviews.

Benefícios:  

Saúde e bem-estar:

• Plano de saúde

• Plano odontológico

• Wellhub (Gympass)

• Zenklub

• Seguro de Vida

• iFood Benefícios (VA e VR flexível)

• Vale Transporte

• New Value (clube de benefícios)

• Licença parental: maternidade de 6 meses e paternidade de 20 dias.

• Auxílio Creche

Vida Financeira

• Fundos de Investimentos Exclusivos

• Assessoria de Investimentos

• Cartão XP Visa Infinite sem anuidade

• Crédito (consignado, home equity, CCB Imobiliário, etc.)

Modelo de Trabalho Presencial Flexível

O nosso modelo de trabalho varia de acordo com a função, podendo ser totalmente presencial para frentes de negócio e mais flexível para outras equipes.

Seguimos um modelo com mais frequência presencial, mas sempre guiado por flexibilidade e autonomia com a responsabilidade da nossa cultura empreendedora.

Aqui na XP Inc., valorizamos as interações pessoais e acreditamos no uso do escritório como uma ferramenta para potencializar nossas relações no trabalho.

*Ao seguir com a inscrição, você declara que leu, compreendeu e concorda com a Política de Privacidade do Grupo XP Inc. e de seus fornecedores e parceiros que apoiam com a realização do processo seletivo. O Grupo XP Inc. poderá utilizar de soluções de inteligência artificial para apoiar a equipe de recrutamento no decorrer do processo, o que poderá envolver o tratamento de seus dados pessoais para tal finalidade, conforme princípios da Lei Geral de Proteção de Dados e da Política de Privacidade do Grupo XP Inc.